Should Sr-22 Insurance Be Granted To Irresponsible Drivers

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The world now has turned into a forest infested with hooligans and barbarians. Civilization and law seems to be mere words that have become redundant in the present society, where the so-called educated humans reside. Nowadays whenever, one opens a paper, it is almost filled with news of accidents that have occurred due to drunk driving, or under some influence of intoxication. In such a sorry state of affairs, some strict laws need to be enforced to drive some sense into these irresponsible scatter-brains. This is how auto insurance DUI came into being. SR-22 insurance is the next step that is opted for, by the offenders.


Auto insurance DUI refers to the insurance coverage given in case of DUI or 'driving under influence' of alcohol or any other intoxicating ingredient such as drugs, to the extent that the individual's ability to think straight or even drive properly is impaired. In such cases ideally the individual should bunk the idea of driving. However, that is not the scenario as the statistics clearly indicate. Other synonyms of DUI are OWI(operating while impaired), OVI(operating a vehicle under the ...
... influence) and DWI(driving while intoxicated).


Auto insurance DUI generally comes into action when, some person in a state of drunkenness goes to the extent of damaging the property of other individuals as a result of rash driving. This rash driving can go to the extent of even taking the life of some one innocent. The victim of such rash driving can be both other vehicles as well as pedestrians. The expenses incurred under such circumstances is covered by this insurance. However, that does not imply that a person who is insured under auto insurance DUI gets the free reign to drive rashly. The consequences of a DUI are in general both expensive and humiliating. Besides the attorney fees, license suspension and fines that are to be paid, there are other long-term consequences, such as the impact on the offender's insurance coverage and the rates of car insurance.


An individual who is identified as convicted of a DUI, the chances are that the insurance company will certainly get news of it. Having the knowledge, the insurance company can predictively can react in two ways. Firstly, the insurance company may enhance the rates. The increase in rates can be quite a substantial one. Secondly, the insurance company may as well cancel your insurance. In the first case the company enhances your premium but does not cancel your auto insurance DUI. In such a situation you will most likely be categorized a high-risk driver. Since your license gets suspended, majority of the states ask the insurance company to produce an SR-22 insurance, as an evidence to retrieve the suspended license. This proves that the offender is insured.


Though the process sounds very friendly and convenient, the catch is that SR-22 insurance is not provided by all insurance companies. Therefore the offender in that case runs the risk of the policy being non-renewed or in the worst case canceled. This occurs simply due to the fact that the insurance company will not provide any insurance coverage for you any longer. The state laws vary in this case. So it is the responsibility of the individual to check the laws and have updated information.


The other scenario which is more unlikely than likely, is that the insurance company doesn't find out about your DUI. Occasionally, the insurance company may or may not increase the rates or even cancel the auto insurance DUI. This can happen if your past record is completely clean.


Thus it becomes amply clear that SR22 insurance is required for offenders of DUI to reinstate their driving privileges. In case of this policy, if the offender is a non-owner then the offender has to provide evidence of a non-owner SR-22 policy to get the license back. The cancellation of this policy would require an issue of the SR-26 form certifying the cancellation.